# Orla vs Lunch Money

URL: https://www.orla.finance/en/vs-lunch-money
Markdown twin of that page. Append `.md` to any Orla page URL to get one.

The closest comparison here. Both independent, both outside America; the split is what a coin is: a balance, or a transaction.

Checked 13 September 2026 against Lunch Money's own pricing and documentation.

#### What each one is, and what it costs

- What it is (In one sentence): Orla: One book for banks, exchanges and wallets, tax included; Lunch Money: An independent budgeting app with a rules engine, a public API and a community around it
- Price (Their pricing page, this month): Orla: Free forever, no card; Starter $25 or Pro $69 a month; Lunch Money: $10 a month or $100 a year, with “set your own price” yearly, a 30 day trial and a price locked for life
- Banks (Where the sync reaches): Orla: Open banking in Europe, the UK and the US; Lunch Money: Through Plaid: “most US and Canadian-based banks, as well as a number of EU-based banks”
- Crypto (The line that decides this one): Orla: Trades, transfers and stablecoin income arrive as transactions, with a cost basis kept through swaps; Lunch Money: “Crypto wallet transactions are not currently supported. You may only track the balance of crypto assets at this time.” Balances sync from Coinbase, Ethereum and Kraken
- Getting paid (Invoices and pay links): Orla: Invoices, pay links, reminders, cards; Lunch Money: None; it is not what Lunch Money is for
- Tax (What January looks like): Orla: Capital gains by lot, VAT returns, accountant exports; Lunch Money: Not a tax product
- Sharing (More than one person): Orla: Spaces with roles, each with its own books; Lunch Money: One budget, with an offer for organisations alongside it

#### When Lunch Money is the right choice

This is the one we would recommend against ourselves most often.

- Price matters most: theirs is the lowest here, you set it yourself on the yearly plan, and it is locked for life.
- Your crypto is a balance you check now and then, not money that moves and has to be taxed.
- You want an API and a rules engine to build your own reporting on, and they have had both for years.

#### When a coin is money, not a number

If any of these is your money, the comparison decides itself.

- Paid in stablecoins, that income belongs in the budget and the tax report, not in a balance.
- You sell on an exchange and need the gain worked out by lot, not remembered.
- You invoice clients, and want the invoice to chase itself and mark itself paid.

Their trial is 30 days; our free plan has no clock on it at all.